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Savings Loans Certificates Fees
Account Type Minimum Balance  Rate       Yield
Regular Share Savings

   $20.00

       0.50 %     0.50 %
Christmas Club   -       0.50 %     0.50 %
Vacation Club   -       0.50 %      0.50 %
Credit Union Fund $1000.00       0.99 %      1.00 %
VISA Classic          12.9 %  
VISA Platinum          10.9 %  

Rates are subject to change.  Please check with the Credit Union for current rates.

Loan Rates: Effective 3/26/09  Rates are shown "as low as" and will be based on credit worthiness.
      

 New Car 

  
     Description

   APR

   Term
New       5.95 % 00 - 60 months 
New      6.45 % 61 - 72 months 
     
 

Used Car 

  
NADA Loan Value     
Up to 7 Years old 

 6.45 %

 60 months 
     
     Motorcycle   
New 

6.95 %

 00 - 60 months 
Up to 7 Years old 

7.45 %

 00 - 60 months 
     
 

  Signature 

  
Minimum $500    
   36 Months

8.00 %

  
   48 Months

8.25 %

  
   60 Months

8.50 %

  
     
 

  Share Secured

  
   00 - 60 Months  4 % above Share Yield  
         
 

   CD Secured

  
    00 - 60 Months  4 % above CD Yield  
     
 

    Boat / RV

  
  New    6.95 % 00 - 60 months   
  Up to 7 years old  7.45 % 00 - 60 months   
Additional terms available. Call for rates.    
     
 

Home Equity*

  
   00 - 60 Months

5.75 %

  
   61 - 120 Months

6.25 %

    
   121 -180 Months

6.75 %

  

If we refinance your mortgage and hold 1st lien position you will receive 1/2% off our 5 year term, .75% off a 10 year term, and 1.0% off a 15 year term.

* 80 % equity clause of appraised value less any liens or judgments.  Minimum cash out is $5000.00.  Existing loans do not qualify.  Under minimum add 1/2 %.  

* Investments / Rental Properties - Call for rates / details.

Rates are subject to change.  Please check with the Credit Union for current rates.  Rates are shown "as low as" and will be based on credit worthiness.

 

As of September 2008

   Certificates Minimum

 Rate

    Yield
    3 Month $1000.00       1.39 % 1.40 %
    6 Month Jumbo $50,000.00       2.08 % 2.10 %
    6 Month $5,000.00      1.88 % 1.90 %
    12 Month  $1000.00       2.23 % 2.25 %
    24 Month $500.00       2.33 % 2.35 %
    30 Month $1000.00

     2.38 %

 2.40 %
    36 Month    $1000.00                2.48 %     2.50 %   
 Credit Union Fund $1,000.00               0.99 % 1.00 %
 Accum IRA                 0.50 %    0.50 %

Rates are subject to change.  Please check with the Credit Union for current rates.

   Fee Description

 Fee
NSF Fee $30.00 per item
Returned Item Fee  $30.00 per item
Stop Payment Fee   $20.00 per request
Share Draft Printing Fee vary
Photo Copy Fee $1.00 per copy
Account Reconciliation Fee    $15.00 per hour  
Account Research Fee $10.00 per hour
Deposited Item Return Fee $30.00 per item
Courtesy Pay Fee $30.00 per item
Chargeback Fee $30.00 per item
Wire Transfer (outgoing) Fee - Domestic $17.00 per transfer
Wire Transfer (outgoing) Fee - International $30.00 per transfer
Money Order Fee .75 per order
Travelers Check Fee  .75 per $100.00
Travelers Check Fee - 2 signatures 1.25 per $100.00
Legal Process Fee $5.00
Low Balance Fee $5.00 per month
Check Cashing Fee $2.00 per check
Account Printout Fee  $2.00 per printout
Escheat Process  $25.00
Garnishment/Levys $25.00
Electronic Funds Transfer Fees  Seven (7) ATM withdrawals per month without a charge.
Safe Deposit Box Fees Size 2 x 5 $10.00
Size 3 x 5 $15.00
Size 4 x 5 $20.00
Size 2 x 10 $20.00
Size 5 x 10 $50.00
Size 10 x 10 $100.00
Drilling of Box Fee $60.00

Fees are subject to change.  Please check with the Credit Union for current fees.